Paul Kozyra

Paul Kozyra

PK Finance

Minimum mortgage: Any amount

0330 038 8940
Based in Sandbach
View location

Top Rated 2025
Verified since: January, 2018

5 out of 5

202 reviews


Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 23 February 2025

    Paul is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Paul's status

  • 63

    Recent Client Reviews

    Verified reviews: 100%

    Paul has received 63 client reviews in the past 12 months; 100% of these have been verified

  • Limited Mortgage Adviser

    Last checked: 06 February 2025

    Paul can advise across a limited set of mortgage products, which may be provided by companies Paul works with. This limitation may allow Paul to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Paul has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Fees not yet added

    Paul has not yet added their fees to their profile

  • 26

    Positive First Impressions

    88% of users who are not yet clients had a positive first experience with Paul

    88% of VouchedFor users have had a positive (4 or 5 star) first experience with Paul (based on 26 first impressions)

Checks carried out by VouchedFor

  • FCA status: Certified by Firm

    Last checked: 23 February 2025

    Paul is fully authorised under the FCA's Senior Managers & Certification Regime. A regulated Senior Manager has confirmed Paul's status

  • 63

    Recent Client Reviews

    Verified reviews: 100%

    Paul has received 63 client reviews in the past 12 months; 100% of these have been verified

  • Limited Mortgage Adviser

    Last checked: 06 February 2025

    Paul can advise across a limited set of mortgage products, which may be provided by companies Paul works with. This limitation may allow Paul to offer an improved service quality and lower fees, but it’s important you understand how these products compare with others available.

  • 1

    Qualifications Uploaded

    1 qualification certificate available to view

    Paul has added their qualifications to their profile. You can see them by clicking on the ‘qualifications’ tab below

  • Transparent Fees

    Fees not yet added

    Paul has not yet added their fees to their profile

  • 26

    Positive First Impressions

    88% of users who are not yet clients had a positive first experience with Paul

    88% of VouchedFor users have had a positive (4 or 5 star) first experience with Paul (based on 26 first impressions)

I have well over 15 years experience in the Mortgage and Protection Industry. I offer home appointments, with no fee for an initial consultation, at a time to suit, to fully establish and analyse my clients needs and request. I will guide you through the full process of getting a mortgage, including the costs of buying a house, discussing all of the different types of mortgages in detail and providing you with recommendations in a fully transparent, open and honest way. PK Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of the Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Approved by The Openwork Partnership on 13-01-2025

Offers available through VouchedFor

Contact Paul through VouchedFor and your initial 1 hour meeting or phone call will be free of charge. You can use this to discuss your situation and find out whether you feel they are a good match for you.

£430,000 Consumer Protection

Your money is protected against bad advice by the Financial Ombudsman Service up to a maximum limit of £430k and by the Financial Services Compensation Scheme (FSCS) if the company goes out of business (in which case, limits may vary - see the FSCS website for more details).

About Paul's clients

Based on responses provided by clients who have reviewed this adviser

Clients' level of financial expertise

Household income

Mortgage value

Savings

Clients' level of financial expertise

This adviser has some reviews that were left while they were employed at a different firm to the one they are at now.

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Adviser Disclaimer

PK Finance is a trading name of Just Mortgages Direct Ltd which is an appointed representative of the Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.